Explaining Subject To IN PERSON With A Seller

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Pace Morby goes on a seller call at a potential investment property to explain subject to and build rapport with the seller. The value of the home is less than what the seller owes, meaning if they sold the house they’d have to cut a check in order to walk away. As an investor the most important part of the deal is securing the mortgage rate already in place, which is Pace’s aim in taking on a property like this.
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❎ I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated or inaccurate; it is your responsibility to verify all information yourself. This is a RU-vid video for entertainment purposes ONLY ❎

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30 авг 2023

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Комментарии : 163

@jdulrick 10 месяцев назад

I love how empathetic and compassionate you are with her. And I am so sorry to hear about your brother.

@you7uber5 10 месяцев назад

*her

@marybright1 10 месяцев назад

So valuable to hear how you talk to a seller, empathize with them, help give them ideas for solutions. You gave him hope and finalized a deal. Such a win/win. Just earlier this year, I was in a situation with a house, not desperate but wanting to make a move and not in the best position to sell. I had an acquaintance reach out to me and helped me find a solutions that worked out for all of us. It opened my eyes to what can be accomplished.

@Philibuster2 10 месяцев назад

Finally the videos weve been waiting for... the talks with the sellers

@franklinhopkinsjr1065 10 месяцев назад

Love the respect and concern shown and this was a great walk through…

@oldskoolfunk71 10 месяцев назад

Maaaan this is Gold Thanks Pace for all you do for us.

@KittyontheMove 10 месяцев назад

This was very valuable. Thank you! It’s nice to see the compassionate side of investing.

@brandongrennan7602 9 месяцев назад

Not amazing Grace, Amazing Pace. Let's go buddy wow what a great display of humanity, caring, and business talk. You rock Pace!

@robertmcrae3422 10 месяцев назад

This was awesome 🎉 just what I needed to hear,!! Performance deed.but you felt his needs frist. This is exactly why the community is blessed to have such a mentor!! Wow thank you so much!! Real Talk

@amyvanslambrook 10 месяцев назад

@pace Morby you are incredible! Lead with generosity and a genuine desire to help…and the blessings follow. You just changed this man’s life

@dantenappi5655 10 месяцев назад

This is a great example of exactly how it can happen. Good stuff!!

@TheLastSatoshi 10 месяцев назад

Pace you are amazing!

@marckuhnmak 10 месяцев назад

Great video Pace. Love videos like this!

@lyndastarwriter8507 8 месяцев назад

WOW - Pace, I've been watching you sincer 2020. NEVER knew about your life's challenges in 2008 w/ regard tp you mom, your divorce, losing a home and your brother. Thanks for sharing and I hope peace and love abounds, today.

@PaceMorby 8 месяцев назад

Thank you 🙏

@cavin3368 9 месяцев назад

Thanks Pace for sharing ✌️

@DanKohan 10 месяцев назад

I've been through tough times too, and it's really inspiring to see how you can make things better with the right advice and choices. Thanks for sharing this useful info!

@christianhernannnnn 10 месяцев назад

Alright rich wholesaler

@webuyhousesdenvercolorado 10 месяцев назад

This just proved to me even more that anyone can do this with Subject-To. I've been a fix and flipper, wholesaler the past 10 years and am so regretting I never delved into sub-to this whole time. Hell, it would've been the only thing I'd do if I knew it earlier. All good. Start today.

@VeronicaGrimes_tc 9 месяцев назад

Hey!@webuyhousesdenvercolorado Are you looking to close Substo transactions? If so,I;m a TC. I can help you and when you need it.

@timesmasquerade2012 10 месяцев назад

Beautiful Pace - win win with a heart.

@paulbittengle8540 10 месяцев назад

All I can say Pace you and your organization are awesome.

@Qwerty12771 8 месяцев назад

Yes! So I asked in the comments on another video why wouldn’t an owner just turn the property into a rental themselves instead of seller financing to you. One of the most obvious reasons was brought up in this video. “Can the owner cover the mortgage if the tenant doesn’t pay rent?” That’s enough reason on its own to get out of the property. I forgot to consider the stress and sweat equity involved in being a landlord, probably the last thing an owner wants to take on when they are potentially upside down. I can’t wait to get my first property! I live in CA and the FHA loans for 4 units seems to be the way I want to go. Even though the market is expensive here, I still want to buy here because I want to gain experience and I’m more comfortable with owning in the state I currently live in just because of the piece of mind of being in close proximity to my investment. Thank you for all your information.

@PaceMorby 8 месяцев назад

Yes! It all comes down to pain.

@kellygood1165 4 месяца назад

Would love to see part 2 follow up video.

@RJ4Loans 10 месяцев назад

Great episode Pace. I appreciate your empathy, compassion, and transparency. Thanks for being willing to share your own story.

@rociopineda4659 10 месяцев назад

learning to help others from the best!!

@imlistening2932 10 месяцев назад

Thank you!

@SherryXShi 10 месяцев назад

Pace is the best negotiator and storyteller, because he knows how to communicate effectively

@cesarcabrera4770 4 месяца назад

This a great information

@michaelpaul5801 4 месяца назад

This is gold Pace!!

@PaceMorby 4 месяца назад

Glad you enjoyed bro!

@fawkmee 10 месяцев назад

I wish I knew about subto earlier this year when I had to sell my property at a loss because I had to pay agents.. 😭

@HowardsWrld 10 месяцев назад

Great Video.

@teisip35 10 месяцев назад

Honesty! Thank you, Pace!🙏. I appreciate your Christlike attribute❤️

@MovingToHoustonTX 8 месяцев назад

Where can I find part 2 of this? I looked in all the videos, and I didn't see anything that looked like it could be it! :) Thank you!

@cesarlopes9224 5 дней назад

Very awesome video, I like that he empathizes with this seller, trying to understand where she comes from. 👋

@PaceMorby 2 дня назад

Thanks for watching!

@heath.medley 10 месяцев назад

Triple Digit Flip ... "its ok." 🤣🤣🤣

@shawnashaw1282 10 месяцев назад

I half expected you to start writing on the wall when you were explaining how it works to him lol

@you7uber5 10 месяцев назад

*her

@albinothug 10 месяцев назад

Beautiful

@JuanPimentell 10 месяцев назад

Thats crazy i service the neighborhood you live at!

@tristanbeavers4992 10 месяцев назад

pace you look jacked brother

@Jimmyzheng12321 10 месяцев назад

Great video question is even you mentioned average rent is 1800 in the area and mortgage is 2100ish, even Airbnb or midterm rentals doesn’t make much taking over this?

@HeatherSky1 9 месяцев назад

Always love your content! If I get 20k from a private lender and use it to acquire and repair a sub-to property, what's the best way to get them their 20k back in 6 months based on current interest rates. Seems like a refinance wouldn't work, what about HELOC? Any other suggestions?

@zerotodeal 10 месяцев назад

Thanks for the Bonus and as always YOU'RE A FLIPPIN GENIUS

@VuthChandyna 10 месяцев назад

You are so amazing..,

@KyserMont 2 дня назад

Hey Pace! I just started learning more deeply about subject-to. Since I’m in the military and have used my VA loan multiple times, I know how the VA entitlement works, I know that if I were to take another veterans home subject to, their entitlement will be locked up in the house and I honestly don’t feel comfortable doing that if I can’t get them their entitlement back…cause what if they want to buy another home that exceeds their remaining entitlement ? I honestly don’t know how to feel about that. Curious on your perspective.

@evonnecram5538 4 месяца назад

Great expanations, education and empathy. I definately know what it is like to loose your home fas a victim of identity theft. I would have handed my house over to someone under the right circumstances.

@lizethgonzalez9131 9 месяцев назад

You can hear the pain in their voice 😮 that’s what I want to do !! Help people in need!! 🙏🏼

@sunnymoney1983 9 месяцев назад

Hey Pace, great stuff! I learned a lot and I’m a Realtor aspiring to be an investor, although it’s really hard in The BayArea where the mortgage even with low rates is always going to be higher than the market rents. Any advice?

@MoreActionPodcast 8 месяцев назад

I would love to work with you , I memorized this conversation 👏🏾 I could do this all day long!! Really a great way to help people and have another stream of income. Just painted a rental for the SAME reason you brought up 👏🏾lol . money man ..

@OctaviaBoesWifey 9 месяцев назад

I jsut talked to a title company and she said you have to have the lender's ok this deal, how are you doing it without that? I know a lot people are afraid the loan will get called, but if the lender approves it, then it wont.

@hotrodlincoln7186 10 месяцев назад

Hi, I was wondering wht service provider you use for your sub too deals? And would the service provider work on seller financing deals. Like how you did with your f150. But instead of them paying me having a service provider taking the payment out of the buyers accnt and depositing into my accnt?

@eddiel.milesjr.1625 4 месяца назад

Is there a Part 2 to this??! I desperately wanna know how this is a profitable deal.

@wecanynot 5 месяцев назад

Liked the information and subscribed. Tried your settlement statement link with my info and it does not work. I would like the settlement statement. Please advise

@PaceMorby 5 месяцев назад

Hey bro! Try this link instead: resources.pacejmorby.com/

@MgtowRubicon 8 месяцев назад

How do you handle insurance when taking title subject to existing debt?

@RobertHasty 10 месяцев назад

Leave the hot water heater lmfao 😂

@saifshareef7194 5 месяцев назад

How do you respond to a seller's fear that they will recieve the house again if payments are missed? If the overall objective of the seller is NOT to own the house and the mortgage, why would reversing ownership back to them be a benefit when the payments are missed,

@vkdirector3087 7 месяцев назад

was great to hear your story mate and sorry for your loss! i get that this was an opportunity to show one of your strategies to students butttt here on the other site of the world in Australia, if you were looking to help her out her, she could just move out, rent the property out and go rent in the other suburb you spoke about !! this would allow her to keep the property and move forward ! is this not an option in America?? or do u just not bring this strategy up as it doesn't work with your strategy? great content love what your doing and how far u have come

@500shit1 3 месяца назад

She cnt rent out bc the VA loan

@QooBeh 10 месяцев назад

This is how you serve

@therealmikejones4619 10 месяцев назад

Can I start looking for deals even though I have no assets and can’t really afford to buy a personal home?

@bobhopkins433 9 месяцев назад

Is there, well there has to be some type of contract with Pace and seller, correct?

@ConradSpencerSimmonds 10 месяцев назад

from the camera angle standing there talking to him at the water heater, you seem TALL. 😀

@cameroncook975 4 месяца назад

So.. question... Where does this leave the seller? Can they not obtain another mortgage until the contract expires and someone pays off the original standing mortgage?

@adriank2959 7 месяцев назад

Is this preforeclosure lead?

@JohnHenryRei 9 месяцев назад

I install towers, rrus, antennas I’m always on the road aswell, 😢

@Love-dy4nw Месяц назад

9:25 Nice mirroring of body language

@gloriakummer5357 8 месяцев назад

The one thing I’m having a hard time with is why is there not someone out there to help these sellers. In this situation where the house is not worth what he owes, it make sense, but what about disaster situations. I would feel horrible

@Kimtrammellmassage 7 месяцев назад

Question: At what point is the seller removed from liability?

@BatistaInvests 10 месяцев назад

Shout out to Joe Crump who first introduced me to Subject to

@brockgreavesrealestate 10 месяцев назад

Okay you took over the mortgage which is probably low from covid. How do you then make money on a rental with the refinance interest rate probably being a lot higher? Is the goal just to acquire and hold? Maybe taking a loss on the mortgage payment because the rental income doesn’t match?

@PaceMorby 10 месяцев назад

Buy and hold, rent out. Not refinancing.

@legacyXplore 3 месяца назад

On the VA rental thing how could he not rent it out but you could after the sub 2? How would the sub 2 make it ok for the property to be a rental? Sincere question. This was a good video. I know it’s not for everyone but it’s shocking that this isn’t a standard conversation for every single seller and realtor after a failed listing. I can understand to some degree not up front. But I don’t understand how that wouldn’t be incompetence.

@JosephHobbs-ql4sy Месяц назад

My exact question too

@erikgladish 10 месяцев назад

How do you guarantee she is out in 2 months?

@Profashionhair 4 месяца назад

My question is, what about the bank? Do you need to notify the bank on taking the payments? If there is any change in the deed, the bank/mortgage company should be notified, so how do you go by it? What is the procedure?

@PaceMorby 4 месяца назад

You don't need to notify the bank. Check out this playlist: paceapproves.com/ytsubto-ytc

@Profashionhair 4 месяца назад

@@PaceMorby 😘thanks

@barbthompson1628 10 месяцев назад

so there's closing cost even when you do sub2? what other fees are there?

@VeronicaGrimes_tc 9 месяцев назад

@barbthompson1628 Hello! He has discussion this in different videos. You can always JV with a subto student who will have the correct documents. I'm a transaction coordinator . Let me know how can I help you in the future.

@TheDunndiesel 9 месяцев назад

poor kid. awesome you could help him out.

@JonnyCash-qw2ps 2 месяца назад

Hey I learned about subject to over 10 years ago my biggest problem to begin is I don't know how to begin or I know I will be very good at it because I am a people person do you mind explaining how do I start the process?

@PaceMorby 2 месяца назад

I recommend squadding up in the free group to get help from my trained students, they'll love helping you get your first deal! paceapproves.com/freefb-ytc

@ittakeswill4746 10 месяцев назад

Does the seller continue to have the mortgage debt in their name? And what happens when they want to buy another home? Doesn’t it look like they have that debt? Thank you for sharing this.

@ripvanwinkle3432 10 месяцев назад

If they cant afford the house and are upside down how will they get another anytime soon. Ita actually beneficial because they will have to have the money for a second mortgage.

@ittakeswill4746 10 месяцев назад

@@ripvanwinkle3432 true but let’s say it’s been a year or two, then what’s the plan?

@Asgro 9 месяцев назад

Yeah, I’m 8 mins in and wondering if this will be brought up?

@199tigertail 10 месяцев назад

Washable paint!

@mariaguild2024 4 месяца назад

Was this owner Not able to make payment? Because why would he not just wait and hold on to his house for a few more years, Have a place for his family to live, and then sell when he has build equity?

@abdrabohal_wahashi7563 9 месяцев назад

How I can get consultation with u by zoom MR Pace plz … I’m from medal east

@bobhopkins433 9 месяцев назад

What I've been exposed to in a very short amount of time is amazing, although in (when see the link below) haven't seen one ?

@PaceMorby 9 месяцев назад

Hi Bob, what are you looking for maybe I can help.

@yoshisaidit7250 10 месяцев назад

The magical part about Maricopa is the cops are more DT than other places.

@cookedonafeeling 7 месяцев назад

Has part two of this been released yet?

@PaceMorby 7 месяцев назад

There's no part two to this one, but I have a ton of Subject To videos on my playlist "Subject To"

@cookedonafeeling 7 месяцев назад

@PaceMorby Thanks for your reply! I just found your stuff and it's incredible. Been binging all day. Really appreciate you, brother

@weareunstoppable935 10 месяцев назад

Could I be a gator lender from Europe?

@wealthwithfreonphelps3976 10 месяцев назад

First! Freon Phelps was here!! Greetings winners!! Only like this comment if you're a winner!! 👀

10 месяцев назад

One question. What happens with the property taxes when you buy a property subject to? They go high bc the homestead execption is lost after you buy it even if you buy it for the same amount the seller bbought it for 1 year before? Thanks in advance

@mcanultymichelle 8 месяцев назад

But what if that young man wanted to take out a loan in a few yrs? Will his old loan be held against him???🤷‍♀️

@PaceMorby 8 месяцев назад

There are ways to overcome debt to income ratio when applying for a new loan, I have a video about it ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-cyBR3hhuLoE.htmlsi=teTzoH2Rcz-W9WY2

@Edvardlarose 10 месяцев назад

I’m a subto student let’s squad up

@user-fq3wb2qj3w 10 месяцев назад

Are you in DFW?

@jennyrosario1268 Месяц назад

Basically you’re just removing them from a really bad situation that they can’t afford the home anymore and to not jeopardize their credit history that’s where you come in

@199tigertail 10 месяцев назад

Semi gloss or eggshell for those who been there lol

@Shanita162 2 месяца назад

Have you ever encountered a problem where the seller doesn’t move out as agreed? If so, what does someone do in a situation like that?

@tonyt3067 8 месяцев назад

Interesting how Pace answered the question of can the seller rent out house with a VA loan. If she cannot, how can Pace rent it out and what liability will she have if the VA finds out?

@troofseeker100 7 месяцев назад

pace what is your answer on this?

@jacobwicka5496 7 месяцев назад

Pace owns the deed. She has the mortgage in her name.

@tonyt3067 7 месяцев назад

yes exactly, a mortgage that doesn't allow for renters in the first year, which they are in. @@jacobwicka5496

@camparker1990 5 месяцев назад

You can rent it out with a VA loan after it’s been the Veterans primary residence for 1yr.

@tonyt3067 5 месяцев назад

right, so he basically has to wait it out, at least on paper@@camparker1990

@malex1526 8 месяцев назад

You should go do something like this... but not at one of our places... here are some other options.... 🤥

@edwinperez9878 10 месяцев назад

So you giving her 350k plus taking the mortgage off of her? I am confused how do they make money by giving you the mortgage?

@PaceMorby 10 месяцев назад

Because she would have to pay out of pocket to sell the house.

@edwinperez9878 10 месяцев назад

@@PaceMorby but are you giving her 350 as monthly agreement? Or is it a one shot deal? Also how do you corn up with ice much to give them monthly for the property?

@LXRD-SUPREME- 3 месяца назад

Having money makes people overly confident in them selves 😢

@Majsayy 10 месяцев назад

Bro your arms are getting bigger!

@MikE-qh2ss 20 дней назад

did not explain the downside at all to the seller who clearly has limited experience but otherwise was good

@ymh-productions998 10 месяцев назад

Am I missing something here?? If your plan here is to just do a regular rental and that'll cover the mortgage payments, why doesn't the seller just keep the house and rent it out herself?? Makes no sense.

@hollywoodclipp 9 месяцев назад

Because they are in debt n don’t have the money to..

@ymh-productions998 9 месяцев назад

@@hollywoodclipp huh? They have a mortgage. Just keep making payments by using the rental income

@leviwaldner536 9 месяцев назад

how the heck will you cashflow this

@PaceMorby 9 месяцев назад

I'm at the point where I can buy and hold and let other assets cover negative cashflow if necessary, but we will probably still do this as a midterm rental.

@leviwaldner536 9 месяцев назад

@@PaceMorby thanks for replying, looking forward to next video

@whatskevindoing 10 месяцев назад

Actually the buyer pays the buyers agents commission in the price of the house. That's what NAR is getting sued for. Please give accurate info.

@PaceMorby 10 месяцев назад

Hey Kevin... Im not an agent... nor will I ever be. I also am not going through an agent... So I can setup the transaction however I want.

@RexWetzel-sw6zj 10 месяцев назад

@@PaceMorbyyou are a good man

@duzzelrebello1814 2 месяца назад

ive done arbitrage. i had 10 arbitrage. making 25k a month. you might not know how to do it properly. Don't knock it because it does work.4

@christianhernannnnn 10 месяцев назад

Pace is so full of it! Where the "link" to the zoom call with the seller! And that is why I don't sign up for his program, like politicians, says they are going to do but never do it!

@PaceMorby 10 месяцев назад

Most seller calls are saved for students, but I have a playlist full of them if you're interested.

@tubez 9 месяцев назад

How does 125$ a week = 750$ a month😂😂

@user-vo3vk3zh2e 10 месяцев назад

So he just keeps putting things out and charging so much for it i reccomend not getting it and learning it on your own if he wanted to provide value do it free and teach people quit calling people knuckleheads and talking about your deals actually teach!!

@levonstilson9032 4 месяца назад

Come on Pace, you know the Va 1 year requirement is flexible, and the buy only has to have a reasonable expectation of residing in the home for a year. You effectively lied to this man, you are in real estate and there is no way you don’t know this. Why wouldn’t you just be honest with this and just point to the fact that he isn’t in a position to rent financially?